● Live now
Nigeria
NGN · ₦
Domestic transfers, airtime, bills and chat-first money actions are currently being built around Nigeria as the first active market.
Live in Nigeria ·
Kenya, Ghana & South Africa coming next
Your money runs
on WhatsApp
now.
Send money to anyone, pay bills, buy airtime and track your spending — all through a WhatsApp message. Naya is live in Nigeria today, with Kenya, Ghana and South Africa already in progress. No new app. No forms.
Features
One thread.
One thread.
Every money move.
Naya collapses transfers, bills, airtime, insights and savings into a single WhatsApp conversation, so the section announces itself with more authority instead of reading like a generic subtitle block.
Send & receive · AI
Type it, snap it, say it — Naya sends it.
Natural language, voice notes or a photo of a handwritten account number. Naya's AI parses your intent in English, Pidgin, Yoruba and Hausa.
- Instant bank-to-bank transfers
- Smart contact memory
- Bulk payments and split bills
Bills & utilities
Pay any bill without leaving the chat.
Airtime, data, electricity tokens, DSTV, GoTV, Bet9ja — all in one message. Naya confirms before charging and sends the receipt.
- 10,000+ billers supported
- Auto-receipts every time
- One-tap recurring payments
Spending intelligence · AI
Know your money without a spreadsheet.
Ask Naya "how much did I spend this week?" and get an instant breakdown. Set budgets, get alerts at 80% — all via chat.
- Auto-categorised transactions
- Weekly AI spending digest
- Budget alerts before you overspend
Crypto & savings
Buy USDT. Save in dollars. No exchange needed.
Convert naira to USDT at live rates, hold dollar value, or cash out instantly. No KYC headaches, no separate wallet app.
- USDT, USDC, BTC via chat
- Live rates, 60s lock before confirm
- Off-ramp to bank in under 60s
How it works
From message to money moved.
Naya keeps the interaction conversational on the surface, but the execution path is structured underneath. Here is the exact flow between a WhatsApp instruction and confirmed delivery.
You
WhatsApp message
Naya AI
Parses intent & language
Confirm
You approve in chat
Payment rail
NIP / NIBSS / stablecoin
Recipient
Bank credited in ~10s
01
Open WhatsApp
Message Naya like you'd message a friend. No app, no login, no form. Just start typing.
02
Tell Naya what you want
"Send ₦50k to Emeka" or "Buy me ₦2k MTN data" or "Abeg pay my PHCN bill" — Naya gets it.
03
Confirm with one tap
Naya shows you exactly who, how much and the fee — then asks you to confirm. No surprises.
04
Done in seconds
Your recipient gets a credit alert. Naya sends you the receipt. The whole thing takes under 10 seconds.
Local transfers · AI
Send money the way you already speak.
Naya is built for real African payment behavior: quick voice notes, informal wording, remembered recipients and messy account details that still need to turn into clean transfers.
Text-first:
"Send ₦20k to Tunde for the project" works exactly like it sounds.
Voice notes:
Speak in Pidgin, Yoruba or plain English and let Naya structure the instruction.
Snap-to-pay:
Turn a photo of an account number or transfer detail into an instant action.
Memory layer:
Saved contacts, limits and repeat behavior make the next transfer faster.
Bills & utilities · AI
Every recurring payment, handled in one chat.
Naya turns routine utility payments into a fast conversational flow. Instead of opening separate apps for airtime, data, electricity or TV, you ask once and confirm once.
Airtime & data:
Top up all major networks without leaving WhatsApp.
Electricity:
Pay meter bills and receive token details directly in chat.
TV & streaming:
Renew DSTV and GoTV subscriptions with the same flow.
Receipt delivered
Every payment stays in the thread
Airtime
MTN · Airtel · Glo
Data
All networks
Electricity
Token in chat
DSTV/GoTV
All bouquets
More soon
Water · Internet
"Pay my PHCN electricity for meter 45201234567"
Naya understood instantly and returned the token in chat
Utilities in seconds
Electricity, airtime and TV in one flow
Coverage
Launching from Nigeria, then expanding carefully.
Naya is only live in Nigeria today. The markets below are rollout targets, not active launches yet, so this section now reflects the current footprint accurately and more clearly.
Kenya
KES · KSh
◌ Planned
Ghana
GHS · ₵
◌ Planned
South Africa
ZAR · R
◌ Planned
Rwanda
RWF · Fr
◌ Soon
Tanzania
TZS · TSh
◌ Soon
Uganda
UGX · USh
◌ Soon
Senegal
XOF · Fr
◌ Soon
Côte d'Ivoire
XOF · Fr
◌ Soon
Ethiopia
ETB · Br
◌ Soon
Security
Built to keep your money and messages protected.
Naya is designed with regulated banking rails, strong access controls and clear confirmation steps from the first message to the final transfer. Nigeria is the live market today, and every new rollout follows the same security standard.
Regulated rails
Licensed banking partners, not a loose money flow.
Naya works with CBN-licensed partners in Nigeria, and customer funds remain within regulated banking infrastructure rather than sitting with Naya directly.
Protected access
Encrypted chat flow with explicit confirmation.
Sensitive actions are gated behind confirmation in chat, so money does not move just because a message was typed casually or sent by mistake.
Fraud checks
Realtime monitoring on unusual transfer behaviour.
Transfers are screened continuously for unusual patterns, with risky actions flagged for review before they complete.
User control
A final review step before money leaves.
Recipient, amount and route are shown back clearly so users can catch mistakes early and stay in control of every transaction.
Common questions
No. Naya lives entirely inside WhatsApp. Add our number, send your first message and the AI guides you through setup. Nothing to install, no new passwords.
Naya keeps things simple. If you type help, it replies with a list of commands and what each one does, so you do not have to guess how to use it. You can then follow the prompts step by step, just like chatting with someone guiding you through the process.
Domestic transfers settle on NIP/NIBSS rails — typically under 10 seconds. Crypto off-ramps complete in under 60 seconds. You see the expected time before confirming every transaction.
Yes. Naya works with CBN-licensed partners in Nigeria, and your funds stay within regulated banking infrastructure rather than being stored directly by Naya. Transactions are protected, and every transfer is shown back clearly before you confirm it.
Naya is currently live in Nigeria only. Kenya, Ghana, South Africa, Rwanda, Tanzania and Uganda are planned markets and will be added gradually as rollout expands.
Through a guided chat — no branch visit needed. Submit your BVN or NIN and a photo of your ID document directly in the WhatsApp conversation. The whole process takes under 5 minutes.